Glarner Kantonalbank

GLKBN.SW

Banks - Regional · Financial Services

Also trades as: 0QV3.L

Exchange

SIX Swiss Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2025

How the score breaks down

Growth

Weak

Valuation

Good

Dividends

Mixed

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Winston Score History

The full picture

Glarner Kantonalbank is a regional bank based in the canton of Glarus, Switzerland. It offers everyday banking services like savings accounts, mortgages, and loans to individuals and small businesses in the region. As a cantonal bank, it is majority-owned by the canton of Glarus, which gives it a government-backed guarantee on deposits.

The bank earns money mainly through the difference between interest it charges on loans and interest it pays on deposits, known as net interest income. It operates almost entirely within Switzerland, making it a small, locally focused institution with a market cap of around $0.3 billion. Cantonal banks benefit from strong customer loyalty and the implicit safety of state backing, but Glarner Kantonalbank faces pressure from rising competition in digital banking and its limited geographic reach makes it difficult to grow beyond its small home market.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-7.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-22.2% YoY

YoY Growth Rate

Earnings declining

Insider Activity

58.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

CHF 8.6B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Glarner Kantonalbank's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-6.5%

Shrinking sales (-6.5% YoY)

Profit growth

EPS YoY

-14.0%

Earnings shrinking (-14.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

1/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

15.1x

no trend

Fair value — P/E 15.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.8

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

3.94%

no trend

Moderate income — 3.94% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

-2.3%

no trend

Dividend cut (-2.3% YoY) — warning sign

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